Convenience at your fingertips

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1 Frequently Asked Question s (FAQs) - Travel Insurance Policy FOR HOW MANY DAYS CAN THE POLICIES BE EXTENDED? CAN THE TRAVEL POLICY BE EXTENDED? The extension under the policy shall be provided subject to the following conditions: The original policy period has not expired There is no claim on the original policy The sum insured shall not be enhanced Declaration of good health shall be provided by the Insured Extension can be effected only once on the Policy Extension premium has to be paid before actual extension is effected Single Trip Including USA/Canada (Worldwide) & Single Trip excluding USA/Canada: The Policy may be extended maximum upto 180 Days. The total policy period including extension should not exceed 360 days. Single Trip Asia excluding Japan: The Policy may be extended maximum upto 30 Days. The total policy period including extension should not exceed 60 days. Single Trip Family Floater excluding USA/Canada: The Policy may be extended maximum upto 60 Days. The total policy period including extension should not exceed 120 days. HOW DO I EXTEND MY POLICY? CAN THE POLICY BE CANCELLED? Retail Travel policy can be extended online. This functionality is available under renewal section on the home page of our website. You can use the URL: atepremium.aspx and select option "Want to extend current Travel Insurance Policy". The policy may be cancelled via request on /Fax, The intimation of cancellation has to reach us latest upto 14 days from the inception date of the policy. If the policy has already incepted, a copy of all 40 pages of the passport needs to be submitted as a proof that the journey has not been undertaken. Cancellation charges of Rs. 250/- shall be applicable and the balance shall be refunde Alternatively, you can send a mail to care@hdfcergo.com. You will receive a revert from our end with the detailed procedure and the additional premium amount to be pai CAN THE PLAN COVERAGE PERIOD BE REDUCED? No, the plan coverage cannot be reduced, irrespective of the fact whether journey has commenced or not. WHOM DO I NEED TO CONTACT TO MAKE CHANGES OR CORRECTIONS IN MY POLICY? You can mark a mail to care@hdfcergo.com. On receipt of the request the endorsement will be processed within 48 hours and the documents will be sent to your registered address. CAN THE TRAVEL DATES BE CHANGED BEFORE POLICY START DATE? Yes, provided there is no change in Health status as declared in the proposal form/online purchase. However, reduction in number of travel days is not allowe HOW TO CONTACT US? HOW DO I FILE A CLAIM? Call Toll-free: (Accessible from India only) Fax: care@hdfcergo.com Write to us at : (Customer Service Office) 6th Floor, Leela Business Park, Andheri Kurla Road, Andheri (East), Mumbai In the event of a covered emergency and to register claims, call our 24 hour Helpline Centre and quote Policy Holders Name, Policy Number, Insurance Company, Passport Number when seeking assistance within 24 Hours. The contact details are: Land line: (Chargeable) Fax: travelclaims@hdfcergo.com Toll free No WHERE CAN ONE AVAIL THE CLAIM FORMS? WHOM TO CONTACT IN CASE OF HOSPITALIZATION? On registration of a claim, claim form will be forwarded to you by mail, or fax along with the intimation for the various documents require The forms are also available on the website. HDFC ERGO should be contacted for all claims. The contact details are as provided above. WILL THE CLAIMS BE SETTLED ON MY RETURN TO INDIA? WHAT DOES 'DEDUCTIBLE MEAN? Claims are settled on the receipt of original documents Deductible means the amount of a claim which has to be borne by the insure Convenience at your fingertips ` Get Policy Copy/ 80D Tax Certificate Make Changes on Policy Track Claim Status Update Contact Details This document is a summary of the benefits offere The information mentioned above is illustrative and not exhaustive. Information must be read in conjunction with the policy wordings. In case of any conflict between this document and the policy wordings, the terms and conditions mentioned in the policy wordings shall prevail. Ver.Aug17 On the Customer Support section of our website, you can:

2 GENERAL CONDITIONS ANYONE ACTING ON THEIR BEHALF TO OBTAIN ANY BENEFIT UNDER THIS POLICY, OR IF ANY FALSE STATUTORY DECLARATION IS MADE OR USED IN SUPPORT THEREOF, OR IF LOSS IS OCCASIONED BY OR THROUGH THE PROCUREMENT OR WITH THE KNOWLEDGE OR CONNIVANCE OF THE INSURED PERSON, POLICYHOLDER, BENEFICIARY, CLAIMANT OR OTHER PERSON, THEN ALL BENEFITS UNDER THIS POLICY ARE FORFEITED. This Policy shall be governed by the laws of India and, except as otherwise provided in Section 4(8) of this Policy, the Indian courts alone shall have jurisdiction in any dispute arising hereunder. This Policy shall be voidable in the event of misrepresentation, misdescription or non-disclosure by any or on behalf of the Insured Person of any material particular. 9. The titles of the various paragraphs of this Policy and any endorsements attached to this Policy are inserted solely for convenience of reference and do not limit or affect in any way the provisions to which they relate. Insured Persons shall take all reasonable precautions to prevent Accidents and to avoid Sickness and shall comply with all statutory requirements, as a condition precedent to the Company's liability hereunder. 10. The Policyholder shown in Item 1 of the Schedule is responsible for the collection and remittance of all premiums. Premiums are due on or prior to the Policy effective Date shown in Item 2 of the Schedule and, in the case of a multiyear Policy, on or before the annual anniversary of such Policy Effective Date. Timely payment of all premium due in full is a condition precedent to the Company's liability under this Policy. Where the Insured Person is required in Terms of this Policy to perform any act or comply with any obligation timely performance or compliance shall be a condition precedent to the Company's liability hereunder. Insurance in respect of an Insured Person will begin under this Policy on the first Day of the Insured Journey (except the Trip Cancellation and Frequent Flyer Cancellation Sections) after the date all of the following are true: 1 Notices: Notices to the Company under this Policy shall be given in writing to the address shown in the preamble of this Policy. Such notices shall be effective on the date of receipt by the Company at such address. this Policy is in force; 1 the Insured Person is eligible to be insured; the required premium has been paid to the Company; and the Company has approved the Insured Person's proposal for this insurance. Valuation and Foreign Currency: All premiums, benefit amounts, loss, and other amounts under this Policy are expressed and payable in Indian currency. If judgement is rendered, settlement is denominated or any benefit, Sum Insured or element of loss is stated in a currency other than Indian Rupees, then payment under this Policy shall be made in Indian Rupees at the rate of exchange published by the Reserve Bank of India on the date the final judgement is entered, the amount of settlement is agreed upon or any benefit, Sum Insured or element of loss is due, respectively. This Policy may be cancelled at the request of the Policyholder by thirty (30) Days notice given in writing to the Company and the premium paid shall be adjusted on the basis of the Company retaining a minimum of Rs. 251(two fifty one only). Refund of premium on cancellation will be made under the Policy subject to no claims being paid or admitted by the Company. The Company reserves the right to cancel this Policy at any time by sending thirty (30) days notice in writing to the Insure In the event of such cancellation refund of premium shall be on pro-rata basis. DEFINITIONS GENERALLY APPLICABLE As used in this Policy, unless otherwise noted, the singular of any definition includes the plural, and the plural of any definition includes the singular. Accident or Accidental means a sudden, unforeseen and involuntary event caused by external, visible & violent means. Accumulation Limit means the maximum amount payable by the Company in respect of any one Accident, irrespective of the number of Insured Persons involved in such Accident. In the event that an Accident occurs which results in insurable losses under this Policy and which ordinarily would mean that the Accumulation Limit is exceeded, the Accumulation Limit amount will be distributed on a proportional basis to all Insured Persons, taking into account the maximum Sums Insured per Benefit and per Insured Person. Any one illness means continuous Period of illness and it includes relapse within 45 days from the date of last consultation with the Hospital/ Nursing Home where treatment may have been taken. Assistance Provider means the assistance company with whom the Company contracts, as an independent contractor, to provide travel-related emergency assistance services. Beneficiary: In case of death of the Insured Person, the Beneficiary means, unless stipulated otherwise by the Insured Person, the surviving Spouse of the Insured Person, mentally capable and not divorced, followed by the children recognised or adopted followed by the Insured Person's legal heirs. For all other benefits, the Beneficiary means the Insured Person himself unless stipulated otherwise. Bodily Injury means physical, external, Accidental bodily injury occurring suddenly in time and resulting solely and independently of any other cause or any physical defect or infirmity existing before the Period of Insurance. Cancellation defines the terms on which the policy contract can be terminated either by the insurer or the insured by giving sufficient notice to other which is not lower than a period of fifteen days. The terms of cancellation may differ from insurer to insurer. The Company also reserves the right to cancel this Policy from inception immediately upon becoming aware of any mis-representation, fraud, non disclosure of material facts or non-cooperation by or on behalf of the Insure No refund of premium shall be allowed in such cases. Notice of cancellation will be mailed to the Insured at an address set forth in the Policy Schedule, and will indicate the date of termination. If notice of cancellation is mailed, proof of mailing will be sufficient proof of notice. 8. Insurance in respect of an Insured Person shall immediately terminate on the earliest of the following dates: the date that the Policy is terminated, the date that the Total Sum Insured is paid for covered loss under Section 6 (Accidental Death), Section 7 (Permanent Disablement) of the Policy; in respect of Immediate Family, the date that such person ceases to be the Insured Person's Immediate Family Member; or the date when the actual number of travel days exceeds the Total Number of Travel Days mentioned under Item 6 of the Schedule. The Policyholder and Insured Person understand that if a proposal has been completed for this insurance, then all statements and all particulars provided in such proposal, and any attachments thereto, are material to the Company's decision to provide this insurance. The Policyholder and Insured Person further understand that the Company has issued this Policy in reliance upon the truth of such statements and particulars. FRAUD WARNING: ANY PERSON WHO, KNOWINGLY AND WITH INTENT TO DEFRAUD THE COMPANY OR OTHER PERSON, FILES A PROPOSAL FOR INSURANCE CONTAINING ANY FALSE INFORMATION, OR CONCEALS FOR THE PURPOSE OF MISLEADING, INFORMATION CONCERNING ANY FACT MATERIAL THERETO, COMMITS A FRAUDULENT INSURANCE ACT WHICH WILL RENDER THE POLICY VOIDABLE AT THE COMPANY'S SOLE DISCRETION AND RESULT IN A DENIAL OF INSURANCE BENEFITS. 8. Cashless facility means the TPA/ Insurer may authorize upon the definition insured's request for the direct settlement of admissible claim as per agreed charges between Network hospitals and the TPA/ Insurer. In such cases, the TPA/ Insurer will directly settle all eligible amounts with the Network Hospitals and the Insured person may not have to pay any bills after the end of the treatment at hospital to the extent the claim is covered under the Policy. 9. IF A CLAIM IS IN ANY RESPECT FRAUDULENT, OR IF ANY FRAUDULENT OR FALSE PLAN, SPECIFICATION, ESTIMATE, DEED, BOOK, ACCOUNT ENTRY, VOUCHER, INVOICE OR OTHER DOCUMENT, PROOF OR EXPLANATION IS PRODUCED, OR IF ANY FRAUDULENT MEANS OR DEVICES ARE USED BY THE INSURED PERSON, POLICYHOLDER, BENEFICIARY, CLAIMANT OR BY Civil War means armed opposition, whether declared or not, between two or more parties belonging to the same country where the opposing parties are of different ethnic, religious or ideological groups. Included in the definition: armed rebellion, revolution, sedition, insurrection, Coup d' Etat, the consequences of Martial law. 10. Close Business Associate means:. (Formerly HDFC General Insurance Limited from Sept 14, 2016 and L&T General Insurance Company Limited upto Sept 13, 2016). CIN: U66030MH2007PLC17711 Registered & Corporate HDFC ERGO General Insurance Company under license. Toll-free: Fax: care@hdfcergo.com UIN: HDFTIOP03001V01020 IRDAI Reg No. 14 1

3 1 a business associate not a fellow employee of the Insured Person where the business relationship with the Insured Person is continuous and reliant on each other for the Insured Person's business, or a business companion who travels with the Insured Person for the same business purpose, and whose presence is necessary for the Insured Person's business, or a fellow employee of the Insured Person. Common Carrier means any land, sea or air conveyance operated under a licence issued by a governmental authority having jurisdiction, for the transportation of fare paying passengers and which has fixed, established routes only. 1 Condition Precedent shall mean a policy term or condition upon which the Insurer's liability under the policy is conditional upon. 1 Congenital Anomaly refers to a condition(s) which is present since birth, and which is abnormal with reference to form, structure or position. Internal Congenital Anomaly which is not in the visible and accessible parts of the body is called Internal Congenital Anomaly. Co-Payment means a cost-sharing requirement under a health insurance policy that provides that the policyholder/ insured will bear a specified percentage of the admissible claim amount. A co-payment does not reduce the sum insure 1 Company means. 1 Compensation means Sum Insured, Total Sum Insured or percentage of the Sum Insured, as appropriate. 1 Contribution is essentially the right of an insurer to call upon other insurers, liable to the same insured, to share the cost of an indemnity claim on a ratable proportion of Sum Insure This clause shall not apply to any Benefit offered on fixed benefit basis Daily Activities means activities such as, but not limited to, cooking and/or taking of food, discharging of urine and/or faeces, getting dressed or undressed, washing and taking a bath, walking and general living activities. Daily Benefit means the amount payable for every twenty-four (24) continuous hours an Insured Person is in Hospital as an in-patient up to the maximum number of days stated in the Schedule. Deductible means an amount stated in the Schedule as a percentage, or a fixed amount, which will be deducted from the Compensation for a specific benefit, or a period of time for which the Company will not pay any benefit. A deductible is a cost-sharing requirement under a health insurance policy that provides that the Insurer will not be liable for a specified rupee amount in case of indemnity policies and for a specified number of days/hours in case of hospital cash policies which will apply before any benefits are payable by the insurer. A deductible does not reduce the sum insure 2 Dental treatment is treatment carried out by a dental practitioner including examinations, fillings (where appropriate), crowns, extractions and surgery excluding any form of cosmetic surgery/implants. 2 Dependent Child means an unmarried dependent child ordinarily residing with the Insured Person between the ages of three (3) months and up to and including the age of eighteen (18) years, or up to and including the age of twenty one (21) years if in full time education at an accredited tertiary institution at the time of the Date of Loss, including legally adopted and step children, of an Insured Person or the Spouse of an Insured Person. 2 Disclosure to information norm: The Policy shall be void and all premium paid hereon shall be forfeited to the Company, in the event of misrepresentation, mis-description or non disclosure of any material fact. 28. Emergency care means management for a severe illness or injury which results in symptoms which occur suddenly and unexpectedly, and requires immediate care by a medical practitioner to prevent death or serious long term impairment of the insured person's health. 29. Family Accumulation Limit means the maximum amount payable by the Company in respect of any one Accident, irrespective of the number of Insured Persons from the same Immediate Family involved in such Accident. In the event that an Accident occurs which results in insurable losses under this Policy and which ordinarily would mean that the Family Accumulation Limit is exceeded, the Family Accumulation Limit amount will be on a proportional basis to all Insured Persons from the same Immediate Family, taking into account the maximum Sums Insured per Benefit and per Insured Person. 30. Foreign War means armed opposition, whether declared or not between two countries. 3 Franchise means an amount stated in the Schedule as a percentage or a fixed amount for which the Company will not be responsible if the claim falls below such percentage or fixed amount, or a period of time for which the Company will not be responsible unless the period of time has expire 3 Hospitalisation Means admission in a Hospital for a minimum period of 24 In patient Care consecutive hours except for specified procedures/ treatments, where such admission could be for a period of less than 24consecutive hours. 3 Hospital means any institution established for in-patient care and day care treatment of illness and/ or injuries and which has been registered as a hospital with the local authorities under the Clinical Establishments (Registration and Regulation) Act, 2010 or under the enactments specified under the Schedule of Section 56(1) of the said Act OR comply with all minimum criteria as under: Date of Loss: for Accident means the date of the Accident. for all other benefits means the date the event happened that leads to an alleged claim. for Sickness means the first date of diagnosis or the date the Insured Person first became aware of the Sickness. 2 Day means a continuous period of twenty-four (24) hours. 2 Day Care Centre means any institution established for day care treatment of illness and/ or injuries or a medical setup within a hospital and which has been registered with the local authorities, wherever applicable, and is under the supervision of a registered and qualified medical practitioner AND must comply with all minimum criteria as under: 2 2 External Congenital Anomaly which is in the visible and accessible parts of the body is called External Congenital Anomaly hours. has qualified nursing staff under its employment. has qualified medical practitioner (s) in charge. has a fully equipped operation theatre of its own where surgical procedures are carried out. maintains daily records of patients and will make these accessible to the Insurance company's authorized personnel. has at least 10 inpatient beds, in those towns having a population of less than 10,00,000 and 15 inpatient beds in all other places; has qualified nursing staff under its employment round the clock; has qualified medical practitioner (s) in charge round the clock; has a fully equipped operation theatre of its own where surgical procedures are carried out. e. maintains daily records of patients and will make these accessible to the Insurance company's authorized personnel. 3 Immediate Family/ Immediate Family Member means an Insured Person's Spouse; children; children-in-law; siblings; siblings-in-law; parents; parentsin-law; grandparents; grandchildren; legal guardian, ward; step or adopted children; step-parents; aunts, uncles; nieces, and nephews, who reside in the same country as the Insured Person. 3 Day care treatment refers to medical treatment, and/or surgical procedure which is: Illness means a sickness or a disease or pathological condition leading to the impairment of normal physiological function which manifests itself during the Policy Period and requires medical treatment. undertaken under General or Local Anesthesia in a hospital/ day care centre in less than 24 hrs because of technological advancement, and which would have otherwise required a hospitalization of more than 24 Acute condition - Acute condition is a disease, illness or injury that is likely to respond quickly to treatment which aims to return the person to his or her state of health immediately before suffering the disease/illness/injury which leads to full recovery.. (Formerly HDFC General Insurance Limited from Sept 14, 2016 and L&T General Insurance Company Limited upto Sept 13, 2016). CIN: U66030MH2007PLC17711 Registered & Corporate HDFC ERGO General Insurance Company under license. Toll-free: Fax: care@hdfcergo.com UIN: HDFTIOP03001V01020 IRDAI Reg No. 14 2

4 Chronic condition - A chronic condition is defined as a disease, illness, or injury that has one or more of the following characteristics: it needs ongoing or long-term monitoring through consultations, examinations, check-ups, and / or tests it needs ongoing or long-term control or relief of symptoms it requires your rehabilitation or for you to be specially trained to cope with it it continues indefinitely it comes back or is likely to come back. 3 Injury means accidental physical bodily harm excluding illness or disease solely and directly caused by external, violent and visible and evident means which is verified and certified by a Medical Practitioner. 3 Intensive care unit means an identified section, ward or wing of a hospital which is under the constant supervision of a dedicated medical practitioner(s), and which is specially equipped for the continuous monitoring and treatment of patients who are in a critical condition, or require life support facilities and where the level of care and supervision is considerably more sophisticated and intensive than in the ordinary and other wards. 38. Inpatient care means treatment for which the insured person has to stay in a hospital for more than 24 hours for a covered event. 39. Insured Journey means a trip commencing during the Period of Insurance. The Company agrees to continue the insurance for an Insured Person who commences an Insured Journey before the Policy Expiration Date, on the proviso that premium has been paid for such Insured Journey and the return trip is within One hundred Eighty (180) Days after the Insured Journey commences. 40. Insured Person means anyone over the age of three (3) months and aged seventy (70) years old or younger, except when the Company, at its sole discretion, accepts anyone over 70 years old, for whom premium has been paid and who is identified in Item 6 of the Schedule as an Insured Person. 4 Medical advise is any consultation or advice from a Medical Practitioner including the issue of any prescription or repeat prescription. 4 Medical Expenses means those expenses that an Insured Person has necessarily and actually incurred for medical treatment on account of Illness or Accident on the advice of a Medical Practitioner, as long as these are no more than would have been payable if the Insured Person had not been insured and no more than other hospitals or doctors in the same locality would have charged for the same medical treatment associated facility like a consultation room for diagnosis and treatment based on the advice of a Medical Practitioner. The Insured is not admitted as a day care or in-patient. 50. Operative Time means the time that the insurance is effective as stated on the Schedule. 5 Period of Insurance means the Operative Time stated in the Schedule, commencing on or after the Policy Effective Date and terminating on or before the Policy Expiration Date. 5 Permanent Total Disablement means disablement, as the result of a Bodily Injury, which: is required for the medical management of the illness or injury suffered by the insured; must not exceed the level of care necessary to provide safe, adequate and appropriate medical care in scope, duration, or intensity; must have been prescribed by a medical practitioner; must conform to the professional standards widely accepted in international medical practice or by the medical community in Indi an Insured Person under this Policy; an Insured Person's employer or business partner; an Immediate Family of the Insured Person. For purposes of this definition only, the term Immediate Family Member shall not be limited to natural persons resident in the same country as the Insured Person. Medical Treatment means a Physician's medical advice, treatment, consultations, and prescribed or remedial attention. Network: All such hospitals, day care centers or other providers that the insurance company/ TPA have mutually agreed with, to provide services like cashless access to policyholders. The list is available with the insurer/tpa and subject to amendment from time to time. is confirmed as total, continuous and permanent by a Physician after the twelve (12) consecutive months, and entirely prevents an Insured Person from engaging in or giving attention to gainful occupation of any and every kind for the remainder of his/ her life. Policyholder means the entity or person named as such in the Schedule. 5 Reasonable & Customary charges means the charges for services or supplies, which are the standard charges for the specific provider and consistent with the prevailing charges in the geographical area for identical or similar services, taking into account the nature of the illness/ injury involve 5 Room Rent Means the amount charged by a hospital for the occupancy of a bed on per day (24 hours) basis and shall include associated medical expenses. 5 Surgery or Surgical Procedure means manual and/ or operative procedure (s) required for treatment of an illness or injury, correction of deformities and defects, diagnosis and cure of diseases, relief of suffering or prolongation of life, performed in a hospital or day care centre by a medical practitioner. 5 Salary means the total gross basic annual salary excluding payments for overtime, commission or bonus payable by the Policyholder to the Insured Person at the time of the Date of Loss. For weekly paid Insured Persons, the Salary will be calculated by taking the average gross weekly basic salary of the Insured Person for the thirteen (13) weeks prior to the Date of Loss and multiplying this amount by fifty-two (52). 58. Serious Injury or Serious Sickness means Bodily Injury or Sickness certified as being dangerous to life by a Physician. 59. Sickness means any fortuitous somatic illness or disease but excluding any disease or illness which is, arises out of or is caused by a condition or defect for which medical treatment was recognised, advised, sought out, or should have reasonably sought out, or received at any time before the Period of Insurance. 60. Spouse means an Insured Person's husband or wife who is recognised as such by the laws of the jurisdiction in which they reside. 6 Subrogation shall mean the right of the insurer to assume the rights of the insured person to recover expenses paid out under the policy that may be recovered from any other source. 6 Sum Insured means the amount stated in the Table of Benefits in the Schedule as the Total Sum Insured, or limited to the specific insurance details in any Section of this Policy. Medical practitioner/ Physician is a person currently legally licensed and registered to practise medicine in the jurisdiction of laws, other than continues for a period of twelve (12) consecutive months, and 5 Medically necessary treatment is defined as any treatment, tests, medication, or stay in hospital or part of a stay in hospital which: The amounts shown in the Item 7 of the Schedule are the Total Sums Insured for each Insured Person for the particular benefit shown, subject at all times to the terms and conditions of the Policy, including but not limited to the exclusions and any additional limitations noted in the wording of each Section. 6 Terrorism means activities against persons, organisations or property of any nature: i. that involve the following or preparation for the following: Non- Network: Any hospital, day care centre or other provider that is not part of the network. Notification of claim is the process of notifying a claim to the insurer or TPA by specifying the timelines as well as the address / telephone number to which it should be notifie ii. use or threat of force or violence; or commission or threat of a dangerous act; or commission or threat of an act that interferes with or disrupts and electronic, communication, information or mechanical system; and when one or both of the following applies: 49. OPD treatment is one in which the Insured visits a clinic/ hospital or the effect is to intimidate or coerce a government or the civilian population or any segment thereof, or to disrupt any segment of the. (Formerly HDFC General Insurance Limited from Sept 14, 2016 and L&T General Insurance Company Limited upto Sept 13, 2016). CIN: U66030MH2007PLC17711 Registered & Corporate HDFC ERGO General Insurance Company under license. Toll-free: Fax: care@hdfcergo.com UIN: HDFTIOP03001V01020 IRDAI Reg No. 14 3

5 economy; or 6 6 it appears that the intent is to intimidate or coerce a government, or to further political, ideological, religious, social or economic objectives or to express (or express opposition to) a philosophy or ideology. occurrence of any Bodily Injury or Sickness and the Company shall not be liable for any part of any claim which in the opinion of a Physician appointed by the Company arises from the unreasonable or willful neglect or failure of an Insured Person to seek and remain under the care of a Physician. No claim may be brought under this Policy, nor may any legal action be brought against the Company to recover under such claim: Total Number of Travel Days means the maximum number of days insured under the Policy. Unproven/ Experimental treatment is treatment, including drug Experimental therapy, which is not based on established medical practice in India, is treatment experimental or unproven. in cases of Accidental death, more than three (3) years after the date of death or the date the claim is denied in whole or in part, whichever is later; or in all other cases, more than three (3) years after the Date of Loss or date the claim is denied in whole or in part, whichever is later. GENERAL CLAIMS PROVISIONS Written notice of any occurrence which may give rise to a claim under this Policy must be given to the Company as soon as practicable and in any case within thirty (30) Days after such occurrence. Written Notice of Claim must be given to the Company immediately in the case of death, or within thirty (30) Days after the Date of Loss in all other cases. All certificates, information and evidence required by the Company shall be furnished at no expense to the Company and shall be in such form and of such nature as the Company may prescribe. When required by the Company, at its own expense, the Insured Person shall submit to medical examination in respect of any alleged claim that may give rise to a benefit being pai Complete, written proof of loss must be given to the Company within sixty (60) Days after the Date of Loss, or as soon as reasonably possible. Such proof of loss must contain: i. the Policy Number, and ii. the preliminary medical report describing the nature and extent of all injuries or Sicknesses, and providing a precise diagnosis, and iii. all invoices, bills, prescriptions, Hospital certificates which will permit the Company to accurately determine the total amount of Medical Expenses (if applicable) incurred by the Insured Person, and iv. v. in the case where another party was involved (e.g. a car collision), the names, contact details and if possible insurance details of the other party, and 8. If any difference shall arise as to the amount to be paid under this Policy (liability being otherwise admitted) such difference shall be referred to arbitration in accordance with the Indian Arbitration and Conciliation Act 1996, as amended, and the making of an award shall be a condition precedent to any liability for the Company to make any payment under this Policy. 9. The Company will effect payment of covered claims subject to: i) the Company having received complete, written proof of loss and such other information as the Company may require to handle the claim; and ii) the premium for the Policy having been pai In such cases, the Company shall effect payment within 7days. 10. No benefit shall be payable in respect of an Insured Person under more than one of the following insurances: Accidental death or Accidental disablement. 1 No sum payable under this Policy shall carry interest. 1 Where amounts recoverable from the Company are delayed pending finalisation of any claim, payments on account may be made to the Insured Person at the Company's discretion, on receipt by the Company of certification by a Physician appointed by the Company. 1 An Insured Person has the right to designate a beneficiary. All beneficiary designations shall be in writing, filed with the Policyholder, and provided to the Company at the time of claim and such other time as the Company may require. in the case of death, an official death certificate, succession certificate pursuant to the Indian Succession Act 1925, as amended, and any other legal documents establishing the identity of any and all beneficiaries, and vi. proof of age, where applicable, and vii. such other information as the Company may require to handle the claim. The Insured Person, and no one else, has the right to change the beneficiary. The Insured Person does not need the consent of anyone to do so. Changes must be in writing, filed with the Policyholder and provided to the Company at the time of claim and such other time as the Company may require. The Company does not assume any responsibility for the validity of these changes. Benefit shall be payable only to the Insured Person, his or her Beneficiary, or the Insured Person's legal personal representatives, whose receipt shall effectively discharge the Company. If an Accident: i. detailed circumstances of the Accident and the names of any witnesses, and ii. any police reports concerning the Accident, and iii. the date a Physician was seen due to the Bodily Injury, and iv. the Physician's contact details, or 1 In the event of a claim under this Policy, the Policyholder, the Insured Person and the Beneficiary, if applicable, must fully cooperate with the Company in its handling of the claim including, but not limited to, the timely submission of all medical and other reports, and full Cupertino with all physical examinations and autopsies that the Company may require. 1 The Company shall not be bound or be affected by any notice of any trust, charge, lien, or other dealing with or in relation to this Policy. If a Sickness: i. the date symptoms of the Sickness began, and GENERAL EXCLUSIONS ii. iii. the date a Physician was seen due to the Sickness, and the Physician's contact details. The Company shall not be liable to pay any benefit in respect of any Insured Person: The Company shall base its assessment of the claim on the complete, written proof of loss. No such legal action may be brought against the Company unless there has been full compliance with all the terms and conditions of this Policy. In the event of any failure to timely submit any claim or commence legal action with respect to any claim, all benefits under this Policy in respect of such claim shall be forfeite The Company at its own expense shall have the right and opportunity to examine the Insured Person whose Bodily Injury or Sickness is the basis of a claim and as often as it may be reasonably required during the pendancy of the claim and to make an autopsy in case of death, where it is not forbidden by law. In respect of any disablement claim, no benefit shall be payable before any disablement is recognised as definitive and permanent by a Physician appointed by the Company. Medical advice of a Physician shall be sought and followed promptly on the for Bodily Injury or Sickness occasioned by Civil War or Foreign War. for Bodily Injury or Sickness caused or provoked intentionally by the Insured Person. for Bodily Injury or Sickness due to wilful or deliberate exposure to danger, (except in an attempt to save human life), intentional self-inflicted injury, suicide or attempt thereat, or arising out of non-adherence to medical advice. for Bodily Injury or Sickness sustained or suffered whilst the Insured Person is or as a result of the Insured Person being under the influence of alcohol or drugs or narcotics unless professionally administered by a Physician or unless professionally prescribed by and taken in accordance with the directions of a Physician.. (Formerly HDFC General Insurance Limited from Sept 14, 2016 and L&T General Insurance Company Limited upto Sept 13, 2016). CIN: U66030MH2007PLC17711 Registered & Corporate HDFC ERGO General Insurance Company under license. Toll-free: Fax: care@hdfcergo.com UIN: HDFTIOP03001V01020 IRDAI Reg No. 14 4

6 for Bodily Injury due to a gradually operating cause. for Bodily Injury sustained whilst or as a result of participating in any sport as a professional player. for Bodily Injury sustained whilst or as a result of participating in any competition involving the utilisation of a motorised land, water or air vehicle. 8. for Bodily Injury sustained whilst or as a result of riding or driving a motorcycle or motor scooter over one hundred fifty (150) c 9. for Bodily Injury whilst the Insured Person is travelling by air other than as a fare paying passenger on an aircraft registered to an airline company for the transport of paying passengers on regular and published scheduled routes. 10. for Bodily Injury sustained whilst or as a result of participating in any criminal act. 1 for Bodily Injury or Sickness resulting from pregnancy within twenty-six (26) weeks of the expected date of birth. Section, any amounts paid under that Section would be deducted from payment of a claim under this Section of the Policy. SECTION 2: PERMANENT DISABLEMENT If during the Period of Insurance an Insured Person sustains Bodily Injury which directly and independently of all other causes results in disablement within twelve (12) months of the Date of Loss, then the Company agrees to pay to the Insured Person the Compensation stated in the specific Table of Benefits below, which is shown as the Table of Benefits in the Schedule. The Deductible or Franchise, if applicable, shall be deducted from the Compensation payable. Specific Extensions Exposure: Permanent disablement as a direct result of exposure to the elements shall be deemed to be Bodily Injury. Specific Provisions 1 for Bodily Injury or Sickness caused by or arising from the conditions commonly known as Acquired Immunodeficiency Syndrome (AIDS) or Human Immunodeficiency Virus (HIV) and/or any related illness or condition including derivatives or variations thereof howsoever acquired or cause The onus shall always be upon the Insured Person to show that Bodily Injury or Sickness was not caused by or did not arise through AIDS or HIV. 1 for Bodily Injury or Sickness caused by or arising from or due to venereal or venereal related disease. 1 for Bodily Injury sustained whilst or as a result of engaging in, practising for or taking part in training peculiar to any kind of violent labour disturbance, riot or civil commotion or public disorder. 1 for Bodily Injury sustained whilst on service or on duty with or undergoing training with any military or police force, or militia or paramilitary organisation, notwithstanding that the Bodily Injury occurred whilst the Insured Person was on leave or not in uniform. 1 for treatments for nervous or mental problems, whatever their classification, psychiatric or psychotic conditions, depression of any kind, or mental insanity. 1 any pathological fracture. 18. for cures of any kind and all stays in long term care institutions (retirement homes, convalescence centres, centres of detoxification et). Ankylosis of the fingers (other than thumb and forefinger) and of the toes (other than the big toe) shall be limited to fifty percent () of the Compensation payable for the loss of the said members. Any benefit payable under item 23 of Table (C) shall be at the complete discretion of the Company taking into consideration the nature of the Bodily Injury in conjunction with the stated Compensation percentages for more specific injuries shown in the Table of Benefits. The insurance shall terminate for an Insured Person under this Section upon payment of a benefit equal to the Total Sum Insure The total amount payable in respect of more than one disablement due to the same Accident is arrived at by adding together the various percentages shown in the Table of Benefits, but shall not exceed the Total Sum Insure The Deductible or Franchise, if applicable, shall apply to the total amount payable, irrespective of the number of benefits an Insured Person is entitled to. If an Insured Person dies as the result of the Bodily Injury any amount claimed and paid to an Insured Person under the Permanent Disablement Section will be deducted from any payment under the Accidental Death Section. Specific Definitions for all Tables of Benefits Limb means the hand above the wrist joint or foot above the ankle joint. Loss of Hearing means the total and irrecoverable Loss of Hearing. Loss of Mastication means the total and irrecoverable loss of ability to chew foo Loss of Sight means the total and irrecoverable Loss of Sight. This is considered to have occurred if the degree of sight remaining after correction is 3/60 or less on the Snellen Scale. any Medical Expenses incurred, the need of which arises out of a Pre existing Condition. Loss of Speech means the total and irrecoverable Loss of Speech. for Bodily Injury sustained as the result of Terrorism. Specific Definitions for Table (A) for investigations, operations or treatment of a purely cosmetic nature; or for obesity; or undertaken to facilitate pregnancy or to cure impotence or to improve potency. for Bodily Injury sustained whilst or as a result of active participation in any hazardous sport such as parachuting, hangliding, parasailing, off-piste skiing or bungee jumping. SECTION 1: ACCIDENTAL DEATH If during the Period of Insurance an Insured Person sustains Bodily Injury which directly and independently of all other causes results in Death within twelve (12) months of the Date of Loss, then the Company agrees to pay to the Insured Person's Beneficiary or legal representative the Compensation stated in the Schedule. Loss used with reference to Limb means the loss by physical severance of such Lim Specific Definitions for Table (B) Loss used with reference to Limb means the loss by physical severance or the total and permanent loss of use of such Lim Specific Extensions Specific Definitions for Table (C) & Table (D) Disappearance: In the event of the disappearance of the Insured Person, following a forced landing, stranding, sinking or wrecking of a conveyance in which such Insured Person was known to have been travelling as an occupant, it shall be deemed after twelve (12) months, subject to all other terms and conditions of this Policy, that such Insured Person shall have died as the result of an Accident. If at any time, after the payment of the Accidental death benefit, it is discovered that the Insured Person is still alive, all payments shall be reimbursed in full to the Company. Exposure: Death as a direct result of exposure to the elements shall be deemed to be Bodily Injury. If applicable and if payment has been made under the Permanent Disablement Loss used with reference to Limb and / or fingers, thumbs or toes, means the loss by physical severance or the total and permanent loss of use of said member. TABLE OF BENEFITS TABLE (A) The Disablement Compensation Expressed as a Percentage of Total Sum Insured Permanent Total Disablement Permanent and incurable insanity Permanent Total Loss of two Limbs Permanent Total Loss of Sight in both eyes. (Formerly HDFC General Insurance Limited from Sept 14, 2016 and L&T General Insurance Company Limited upto Sept 13, 2016). CIN: U66030MH2007PLC17711 Registered & Corporate HDFC ERGO General Insurance Company under license. Toll-free: Fax: care@hdfcergo.com UIN: HDFTIOP03001V01020 IRDAI Reg No. 14 5

7 Permanent Total Loss of Sight of one eye and one Limb 1Permanent Total Loss of use of four fingers of either hand Permanent Total Loss of Speech Complete removal of the lower jaw 8. Permanent Total Loss of Mastication 1Permanent Total Loss of use of one thumb of either hand: Both joints One joint 9. Permanent Total Loss of the central nervous system or the thorax and all abdominal organs resulting in the complete inability to engage in any job and the inability to carry out Daily Activities essential to life without full time assistance 75% 1Permanent Total Loss of one Limb 1Permanent Total Loss of Sight of one eye TABLE OF BENEFITS TABLE (B) The Disablement Permanent Total Disablement Permanent and incurable insanity Permanent Total Loss of two Limbs Permanent Total Loss of Sight in both eyes Permanent Total Loss of Sight of one eye and one Limb Permanent Total Loss of Speech Complete removal of the lower jaw 8. Permanent Total Loss of Mastication 9. Permanent Total Loss of the central nervous system or the thorax and all abdominal organs resulting in the complete inability to engage in any job and the inability to carry out Daily Activities essential to life without full time assistance 10.Permanent Total Loss of Hearing in both ears 75% 1Permanent Total Loss of one Limb 1Permanent Total Loss of Sight of one eye TABLE OF BENEFITS TABLE (C) The Disablement Permanent Total Disablement Permanent and incurable insanity Permanent Total Loss of two Limbs Permanent Total Loss of Sight in both eyes 5% 5% 2% 19.Permanent Total Loss of use of toes: All one foot Big both joints Big one joint Other than Big each toe 20.Established non-union of fractured leg or kneecap Compensation Expressed as a Percentage of Total Sum Insured Compensation Expressed as a Percentage of Total Sum Insured Permanent Total Loss of Sight of one eye and one Limb Permanent Total Loss of Speech Complete removal of the lower jaw 8. Permanent Total Loss of Mastication 9. Permanent Total Loss of the central nervous system or the thorax and all abdominal organs resulting in the complete inability to engage in any job and the inability to carry out Daily Activities essential to life without full time assistance. 10.Permanent Total Loss of Hearing in both ears 75% 1Permanent Total Loss of one Limb 1Permanent Total Loss of Sight of one eye 1Permanent Total Loss of Hearing in one ear 15% 1Permanent Total Loss of the lens in one eye 25% 1Permanent Total Loss of use of four fingers and thumb of either hand 40% 20% 10% 18.Permanent Total Loss of one finger of either hand: Three joints Two joints One joint 10.Permanent Total Loss of Hearing in both ears 20% 15% 5% 2% 2% 10% 2Shortening of leg by at least 5 cms. 2Ankylosis of the elbow, hip or knee. 20% 2Permanent disablement not otherwise provided for under Items 2-22 inclusive up to a maximum of 75% TABLE OF BENEFITS TABLE (D) The Disablement Compensation Expressed as a Percentage of Total Sum Insured Permanent Total Disablement Permanent and incurable insanity Permanent Total Loss of two Limbs Permanent Total Loss of Sight in both eyes Permanent Total Loss of Sight of one eye and one Limb Permanent Total Loss of Speech Complete removal of the lower jaw 8. Permanent Total Loss of Mastication 9. Permanent Total Loss of the central nervous system or the thorax and all abdominal organs resulting in the complete inability to engage in any job and the inability to carry out Daily Activities essential to life without full time assistance. 10.Permanent Total Loss of Hearing in both ears 75% 1Permanent Total Loss of one Limb 1Permanent Total Loss of Sight of one eye 1Permanent Total Loss of Hearing in one ear 15% 1Permanent Total Loss of the lens in one eye 25% 1Permanent Total Loss of use of four fingers and thumb of either hand 1Permanent Total Loss of use of four fingers of either hand 40% 1Permanent Total Loss of use of one thumb of either hand: Both joints One joint 20% 20% 10% 18.Permanent Total Loss of one finger of either hand: Three joints Two joints One joint 19.Permanent Total Loss of use of toes: All one foot Big both joints Big one joint Other than Big each toe 5% 5% 2% 15% 5% 2% 2%. (Formerly HDFC General Insurance Limited from Sept 14, 2016 and L&T General Insurance Company Limited upto Sept 13, 2016). CIN: U66030MH2007PLC17711 Registered & Corporate HDFC ERGO General Insurance Company under license. Toll-free: Fax: care@hdfcergo.com UIN: HDFTIOP03001V01020 IRDAI Reg No. 14 6